AIG Travel Guard® Direct Annual & Single Trip 12-Days & 12.12 Flash Sale Travel Promotions – Terms and Conditions

1. Eligibility

1.1. The AIG Travel Guard Direct Annual & Single Trip 12-Days & 12.12 Flash Sale Travel Promotions (the “Promotion”) is organised by AIG Asia Pacific Insurance Pte. Ltd. (“AIG”). It will be held for 12 days from 1 December 2023 to 12 December 2023, both dates inclusive (the “Promotion Period”).

1.2. The Promotion will be administered and run by AIG and is only open to Singapore residents (“Eligible Individuals”).

1.3. The details of the Promotion are as follows:

A. New Travel Guard Direct Single Trip Plans

1.3.1. Eligible Individuals who successfully purchase a new Travel Guard Direct Single Trip Plan during the Promotion Period will be entitled to:

1.3.1.1. the Discount; and

1.3.1.2. a Gift where the net premium payable for the policy after the Discount is S$50 and above.

The details of the Discount and the Gift are set out in Table 1 below.

Notwithstanding the above, the Eligible Individuals will only be entitled to the Discount and/or the Gift if (a) the policy is not subsequently cancelled, (b) the purchase is made via the link at www.aig.sg/personal/travel-guard, (c) the promo code “BBBMTL” is keyed in to the “Promo Code” field in the user journey and (d) the Eligible Individual is a direct customer of AIG without any intermediary (agents, brokers, partners, sponsors or affiliates).

B. New Travel Guard Direct Annual Multi-Trip Plans

1.3.2. Eligible Individuals who successfully purchase a new Travel Guard Direct Annual Multi-Trip Plan during the Promotion Period will be entitled to:

1.3.2.1. the Discount; and

1.3.2.2. a Gift where the net premium payable for the policy after the Discount is $650 and above.

The details of the Discount and the Gift are set out in Table 1 below.

C. New Travel Guard Direct Annual Multi-Trip and Single Trip Plans

1.3.3. In addition to 1.3(A) and (B) above, every 12th Eligible Individuals who successfully purchase a new Travel Guard Direct Annual Multi-Trip or Single Trip Plan on 12 December 2023 (“Winners”) will also be entitled to an Additional Gift as set out in Table 1 below provided (a) the policy is not subsequently cancelled, (b) the purchase is made via www.aig.sg/personal/travel-guard, (c) the promo code “BBBMTL” is keyed in to the “Promo Code” field in the user journey and (d) the Eligible Individual is a direct customer of AIG without any intermediary (agents, brokers, partners, sponsors or affiliates).

1.3.3.1. For avoidance of doubt, no minimum premium is required for the Additional Gift.

Table 1: New Travel Guard Direct Policies

Product Category	Applicable Policies	The Discount (“Discount”)	Qualifying Net Premium Payable After Discount Per Policy	Gift per Policy (“Gift”)	Additional Gift per Policy (“Additional Gift”)
Travel Insurance	New Travel Guard Direct Single Trip Plan	20% off policy premium	S$50 and above	S$10 worth of eCapitaVouchers	2x Plaza Premium Lounge Access Pass
			S$120 and above	S$40 worth of eCapitaVouchers
			S$200 and above	S$80 worth of eCapitaVouchers
	New Travel Guard Direct Annual Multi-Trip Plan	10% off policy premium	S$650 and above	S$100 worth of Klook E-Gift Card

D. Renewal Travel Guard Direct Annual Multi-Trip Plans

1.3.4. Eligible Individuals who successfully renew their Travel Guard Direct Annual Multi-Trip Plan during the Promotion Period will be entitled to the Gift set out in Table 2 below provided (a) the premium for the policy is $650 and above, (b) the policy is not subsequently cancelled, (c) the purchase is made via www.aig.sg/renew-travel, and (d) the Eligible Individual is a direct customer of AIG without any intermediary (agents, brokers, partners, sponsors or affiliates).

Table 2: Renewal Travel Guard Direct Annual Multi-Trip Plans

Product Category	Applicable Policies	Qualifying Premium Per Policy	Gift per Policy (“Gift”)
Travel Insurance	Renewal Travel Guard Direct Annual Multi-Trip Plan	S$650 and above	S$200 worth of Klook E-Gift Card

1.4. For the purchase/renewal of a Travel Guard Direct Family policy, only the main policyholder will be eligible for the Gift and Additional Gift. The policy must be valid at the time when the Gift is redeemed. More details on the redemption of the Gift and Additional Gift are set out in Section 2 below.

1.5. This Promotion is not valid in conjunction with any other promotions, discounts or offers offered by AIG.

1.6. Employees of AIG, and their immediate family members are not eligible to participate in the Promotion.

2. Notification and Redemption of Gift

2.1. AIG will send an email or SMS for the redemption of the Gift (“Redemption Notification”) within six to eight weeks from the end of Promotion Period to the electronic mailing address or mobile phone number of the Eligible Individual which was provided to AIG at the point of purchase or renewal of the policy.

2.2. The Gift is subject to the terms and conditions of the issuer, and AIG will not accept any liability in relation thereto.

2.3. AIG shall not be liable if the delivery of any Redemption Notification to the relevant Eligible Individual is unsuccessful. AIG reserves the right to deal with any Gift returned to it for any reason in any manner it deems fit.

2.4. Once the Redemption Notifications are sent, Eligible Individuals will not be allowed to cancel their policies.

2.5. The Gift is not transferable or exchangeable for cash, credit or kind. AIG reserves the right to replace the Gift with other items of similar value without prior notice.

3. Notification and Redemption of Additional Gift

3.1. The Winners will be selected based on AIG’s records of purchase on 26 December 2023, at the premises of AIG office at 78 Shenton Way, #09-16, AIG Building, Singapore 079120.

3.2. The Winners will be notified by email or SMS (“Additional Gift’s Redemption Notification”) by 2 January 2024 at the electronic mailing address or mobile phone number provided to AIG at the point of purchase of the policy. The details of the Winners will also be published on www.aig.sg/winners by 2 January 2024.

3.3. The Additional Gift is subject to the terms and conditions of the issuer, and AIG will not accept any liability in relation thereto.

3.4. AIG shall not be liable if the delivery of any Redemption Notification for the Additional Gift to the relevant Eligible Individual is unsuccessful. AIG reserves the right to deal with any Additional Gift returned to it for any reason in any manner it deems fit.

3.5. Once the Additional Gift’s Redemption Notification are sent, Eligible Individuals will not be allowed to cancel their policies.

3.6. The Additional Gift is not transferable or exchangeable for cash, credit or kind. AIG reserves the right to replace the Additional Gift with other items of similar value without prior notice.

4. General Conditions

4.1. By participating in the Promotion, you agree to be bound by these terms and conditions (“T&Cs”).

4.2. AIG reserves the sole and absolute right to do the following at any time:

(a) disqualify any person from his/her participation in the Promotion for any reason whatsoever; and/or

(b) disqualify any person from receiving any Gift and Additional Gift under the Promotion for any reason whatsoever.

4.3. Without prejudice to the generality of clause 4.2 above, non-compliance with these T&Cs and/or the breach of any other requirements communicated by AIG to the Eligible Individuals may, at AIG’s sole and absolute discretion, result in the immediate disqualification of said person from participating in the Promotion.

4.4. AIG’s decision on all matters relating to the Promotion will be at its sole and absolute discretion and will be final and binding on all parties, and no correspondence shall be entered into in relation to the same.

4.5. AIG reserves the right to extend or terminate the Promotion, and to vary, delete or add to any of these T&Cs at any time without notice, and at its sole and absolute discretion.

4.6. By participating in this Promotion, it is agreed that any information collected or held by AIG (whether contained in the application form or otherwise obtained) may be processed, used and disclosed by AIG, its associated individuals/companies and/or any independent third parties, to carry out the implementation and administration of the Promotion. Policyholders may opt out of participating in the Promotion via the link here.

4.7. AIG shall not be liable in any manner for any claims, losses, damages or expenses arising out of, or relating to, the Promotion or the use of the Gift and Additional Gift. For the avoidance of doubt, AIG is not the supplier of the products and/or services redeemed/purchased using the Gift and Additional Gift and will not accept any liability in relation thereto.

4.8. AIG assumes no responsibility for incomplete, lost, late, damaged, illegible, misdirected forms and/or other forms of communication, which may result in any Policy not being purchased during the Promotion Period.

4.9. These T&Cs shall be governed by and construed in accordance with the laws of Singapore. The Courts of Singapore shall have exclusive jurisdiction over any disputes arising from this Promotion and these T&Cs, including the validity and enforceability thereof.

4.10. In the event of any inconsistency between these T&Cs and any promotional materials relating to the Promotion, these T&Cs shall prevail.

4.11. AIG’s Travel Guard Direct is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). Coverage for these policies is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC websites (www.aig.sg, www.gia.org.sg or www.sdic.org.sg).